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Calculators

Investment calculators

Four tools to test the arithmetic behind a plan before you commit to it. Each one is an illustration built on assumptions you choose - not a forecast, and not advice.

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SIP Calculator

The most useful place to begin. Adjust the monthly amount, the duration and the assumed rate of return.
₹10,000₹500₹2,00,000
15 years140
12%130

Assumptions used

  • The instalment is invested at the start of every month.
  • The rate of return stays constant for the entire period.
  • Expense ratio, exit load and taxes are not deducted.

Your SIP illustration

₹10,000 every month for 15 years at 12% assumed return

Invested amount₹18,00,000
Estimated returns₹32,45,760
Total value₹50,45,760
SIP growth: projected invested amount and total value by year.
Yr 1Yr 4Yr 7Yr 10Yr 13Yr 15
Total valueInvested amount
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This calculator is an illustrative tool. It uses a constant assumed rate of return and does not predict or guarantee actual results. Mutual fund returns are market-linked and will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

All calculators

Choose the right tool for the question

  • SIP Calculator

    See what a fixed monthly investment could grow to over time, and how much of that comes from your own contributions.

    Open calculator
  • Lumpsum Calculator

    Project a one-time investment forward at an assumed rate of return, with annual compounding.

    Open calculator
  • SIP Top-Up Calculator

    Step your SIP up every year, by a percentage or a fixed amount, and see how the total invested changes.

    Open calculator
  • Retirement Calculator

    Estimate the corpus you may need at retirement once inflation is accounted for, and the monthly investment implied by the gap.

    Open calculator

About these tools

How to read the results

A calculator can show you arithmetic. It cannot show you the future.
How is the SIP future value calculated?

The calculator uses the standard SIP future-value formula, FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P is the monthly instalment, i is the assumed annual return divided by twelve, and n is the number of monthly instalments. It assumes the instalment is invested at the start of each month and that the rate of return stays constant throughout.

What rate of return should I assume?

There is no correct answer, because future returns are unknown. Many investors run the calculation at more than one rate to see a range of outcomes rather than relying on a single figure. Whatever you enter is an assumption, not a forecast.

Do these calculators account for expense ratio, exit load or tax?

No. The outputs are gross illustrations. Actual outcomes will be affected by the scheme's expense ratio, any exit load, applicable taxes and the fact that real returns are not constant.

Is calculator output investment advice?

No. These are educational tools meant to show how compounding works over time. They do not take your personal circumstances into account and must not be treated as a recommendation to invest in any particular scheme.

The numbers look right. What now?

A calculator can size a goal, but it cannot tell you which approach suits your situation. That part takes a conversation.

AMFI-Registered Mutual Fund Distributor · ARN-162936

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